Annuities
American General
Current Annuity Rates and Recent Product Announcements
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Genworth
Update: NAIC Suitability Model Regulation Requirements of Producers
States have adopted the NAIC Suitability Model effective as of certain dates. All producers selling annuity products must complete a one-time four-hour general annuity training course. Click here to view dates and states.
Fixed Annuity Suitability Profile Form Requirements
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SecureLiving® Series Fixed Annuity Rates
As of 02.08.12, rates have changed for the following SecureLiving® fixed deferred annuities:
Submission Guidelines
National | New York
SecureLiving® Series Fixed Annuity Rates (BGA)
National
New York
SecureLiving® Independence
National
SecureLiving® Liberty
National
New York
Washington
SecureLiving® SmartRate
National
New York
SunTrust
Washington
Retirement Idea from Genworth - Turn Income on When You Want
Take a look at this hypothetical illustration using SecureLiving Index 10 Plus with Income
View Case Study Here | View Quick Reference Guide Here
SPIA Update: Benefit DECREASE as of 2/13/2012
Immediate Annuity Rates – National and New York: A benefit DECREASE was announced on February 13, 2012. Premium received after 2/20/2012 will be subject to this new rate scale. Paperwork received on or before 2/20/2012 for 1035 exchanges/transfers will lock in the existing rate scale.
Lincoln Benefit Life
TX Annuity Suitability Training Requirement
Effective February 29, 2012, all Texas licensed life insurance agents who sell annuities and were issued a new resident or non-resident license on or after September 1, 2011 are required to complete certain training requirements prior to soliciting fixed and/or variable annuity products. We cannot accept applications if we are unable to validate that the training requirements were satisfied prior to the date an application is signed. View More
National Underwriter
Annuities: Finding Certainty in an Uncertain World
Boomers want lifetime guaranteed benefits. Carriers want to de-risk their products in a volatile market. Is there an annuity out there for your client? Yes.
Annuities Now Permitted to be Unleashed in Retirement Plans
The Obama administration clears a path for ample annuity use in 401(K) plans, but makes sure plans will have expanded…
Protective Life
Annuity Interest Rate Notification
Interest Rate Notification Summary
Interest Rate Notification Summary - Registered Products
Interest Rate Notification Summary - Unregistered Products
Click the link above to view the PDF file, or right-click to save to your desktop. For individual product rate sheets, please visit the Protective Producer Center (for unregistered representatives) or the Protective Advisor Center (for registered representatives), and log in.
LTC
Genworth
Kaiser Authorization for Use of Disclosure of Patient Health Information (LTCI Only)
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New Partnership Joins Long Term Care Partnership Program
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John Hancock
Lower Cost – Greater Protection
See how your clients can purchase a Protection UL policy with the LTC rider for a premium that is less than the leading competitors' products, without LTC coverage. Read more
Starting February 27, 2012, you can put John Hancock’s strength to work for your LTC clients in California with Custom Care III California and Custom Care III California Partnership. Please click the attached press release distributed last week, announcing the company's re-entry into California.
John Hancock LTC Insurance is pleased to announce the launch of its first iPad app, the John Hancock Cost of Care Calculator. The app provides an easy and convenient way for users to better understand long-term care needs and expenses in the present and the future.
When trying to overcome potential long-term care (LTC) insurance consumer objections, it’s important to have your bases covered. Read the attached sales idea flier for a great approach to overcoming those objections. Form: LTC-4200
Reminder: John Hancock Investor Sentiment Index Advances in Q4 2011
Earlier in January, John Hancock Financial announced the results of its quarterly measure of investors’ views on a range of investment choices, life goals and economic outlook. Please read the attached press releasefor more information.
Be sure to get the latest version of our tax materials, including the 2012 tax guide (GFR-TX-1/12) and state LTC insurance tax incentive flier (LTC-1199 1/12).
Outlined in this memo are John Hancock LTC’s policies on new entrants to these programs.
Oregon to join Interstate Compact in late February – Applications and Materials are Impacted
Effective February 27, 2012, Oregon will join the Interstate Insurance Compact for Long-Term Care. We will provide more detailed information about the changes to and availability of application booklets and consumer marketing materials in mid-February.
Mutual of Omaha
New Hampshire and Washington Have Approved the LTCi Rate Adjustment on In-force Business
On May 1, 2012, we will begin implementation of the LTCi rate adjustment on in-force business in New Hampshire and Washington. For a complete list of approved states and additional information on the LTCi rate adjustment, visit the designated LTCi rate adjustment page on Sales Professional Access. Click here to view the LTC page.
Be Prepared to Ask the Tough Questions
Oftentimes asking personal health questions can be uncomfortable, but the last thing you want to do is guess. Learn how to set the stage and avoid any awkwardness. Click here to view sales tips.
National Underwriter
Is 2012 LTCI's Year?
2012 is the perfect year to start selling long-term care insurance (LTCI). Why? Because our population is aging – which means that consumers are now asking for LTC solutions.
The drafters cite a commission prediction that few Americans will ever have private long-term care coverage.
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